Llandilo vs Ropes Crossing, true annual running costs compared 2026
Last updated July 2026 · council rates current NSW schedules, ATO 91c/km, Opal & Translink fares, AER electricity benchmarks
Llandilo (Penrith rates (OLG) and Ropes Crossing (Blacktown City Council rates (IPART approved SRV, 11.54% adopted for) attract comparison from buyers considering suburbs across different council areas at similar distances from Sydney CBD (44.9 km and 42.6 km).
The two sit within $181 a year of each other to run, so running cost is a minor factor here. The decision comes down to schools, risk and lifestyle, all in the free report.
Over 10 years the gap between these two is about $2,100, about $4 a week, and most of it is the AI-estimated insurance line.
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Ropes Crossing
Annual cost breakdown
| Category | Llandilo | Ropes Crossing | Difference |
|---|---|---|---|
| Council rates Official, 2026-27 | $1,604 | $1,360 | +$244 |
| Water & sewerage Official, 2026-27 | $1,548 | $1,548 | - |
| Commute (driving) Modelled, 2026-27 | $6,884 | $6,959 | -$75 |
| Commute (public transport) Modelled, 2026-27 | $2,400 | $2,400 | - |
| Home insurance Estimated | $2,100 | $2,450 | -$350 |
| Body corporate (unit) Estimated | $2,100 | $2,100 | - |
| Total (driving) | $12,136 | $12,317 | -$181 |
| Total (public transport) | $7,652 | $7,758 | -$106 |
Totals exclude electricity, estimated separately below. Green = cheaper. Commute: ATO 91c/km, 220 working days. Insurance estimated from ACCC premium rates; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Llandilo | Ropes Crossing | Difference |
|---|---|---|---|
| House | $2,720 | $2,720 | - |
| Unit | $2,209 | $2,209 | - |
Estimated from AER residential benchmarks for each suburb's climate zone at 2026-27 regulated prices for each suburb's electricity network, including supply charge (AER Default Market Offer caps, or the QCA price in regional Queensland; unit ≈ 75% of a house). Get the free report for a breakdown by your exact number of occupants.
Cost breakdown chart
Annual cost breakdown, Llandilo vs Ropes Crossing (2026-27)
What the numbers show
Llandilo and Ropes Crossing differ by $181 a year by car, but $350 of that is the building insurance estimate rather than a published figure. On the sourced costs, council rates, water and the commute, the gap is $169, so neither suburb is named cheaper here.
The biggest single gap is home insurance at $350 per year.
On public transport the two suburbs cost almost the same, $7,652 and $7,758 a year, so the $181 driving gap nearly closes if you commute by public transport.
Where the difference actually comes from
- Council rates favours Ropes Crossing by $244 a year, $1,360 against $1,604.
- Water and sewerage is identical at $1,548 a year.
- Driving commute favours Llandilo by $75 a year, $6,884 against $6,959.
- Building insurance favours Llandilo by $350 a year, $2,100 against $2,450.
They sit in different council areas, so the rates line is set by two different councils. For NSW that figure is the average residential rate reported to the Office of Local Government, uplifted by that council's IPART rate peg.
Flood risk is rated medium in Llandilo against low in Ropes Crossing, which feeds the insurance estimate. Fire risk is rated high in Ropes Crossing against medium in Llandilo, which feeds the insurance estimate. The catchment state school scores 6.5 in Ropes Crossing against 4.5 in Llandilo, on ACARA's ICSEA percentile scaled to ten.
10-year cumulative cost projection
| Year | Llandilo cumulative | Ropes Crossing cumulative | Difference |
|---|---|---|---|
| Year 1 | $12,136 | $12,317 | $181 |
| Year 3 | $37,511 | $38,071 | $560 |
| Year 5 | $64,432 | $65,393 | $961 |
| Year 10 | $139,126 | $141,201 | $2,075 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Llandilo or Ropes Crossing cheaper to live in?
Neither is named cheaper. Llandilo runs $12,136 a year by car and Ropes Crossing $12,317, but most of the $181 difference is the building insurance estimate rather than a published figure. On council rates, water and the commute, which are sourced, the gap is $169. Source: SuburbCost 2026 data.
What are council rates in Llandilo and Ropes Crossing?
Annual council rates for a house are $1,604 in Llandilo (Penrith rates (OLG) and $1,360 in Ropes Crossing (Blacktown City Council rates (IPART approved SRV, 11.54% adopted for). Water and sewerage adds $1,548 in Llandilo and $1,548 in Ropes Crossing. Both figures are the average residential rate reported to the Office of Local Government, uplifted by each council's IPART rate peg.
How does the commute cost compare between Llandilo and Ropes Crossing?
Annual driving commute costs are $6,884 from Llandilo and $6,959 from Ropes Crossing to Sydney CBD (ATO 91c/km). Public transport costs $2,400 from Llandilo and $2,400 from Ropes Crossing.
What is the 10-year cost difference between Llandilo and Ropes Crossing?
At 3% annual cost growth, Llandilo costs a cumulative $139,126 and Ropes Crossing costs $141,201 over 10 years by car. The cumulative difference is $2,075 in favour of Llandilo. Excludes purchase price, mortgage, and personal expenses.
Which of Llandilo and Ropes Crossing suits you better?
You've got the costs. Get the free personalised report for the rest: a clear verdict on which suburb wins, the full flood, fire and crime risk profile, nearest schools, estimated electricity cost by number of occupants, and your own loan or rent stress-tested over 10 years. No spam.
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Sources: Penrith rates (OLG and Blacktown City Council rates (IPART approved SRV, 11.54% adopted for rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 91c/km, and SuburbCost insurance estimates from ACCC premium rates. Data updated July 2026.